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A man that I met on Facebook was called to do a job in West Africa. He got there and found out that there is a problem with his Swiss bank account. He needs 2000 to finish the job so he can come home. He gave me the account numbers so I could check and the account says that he has 40,000,000 ! I still don't feel comfortable with it. How would I know if he is scamming me?

Nobody with 40 million in the bank needs a random stranger to help them out with a few thousands. No matter which problem he has, with the liquidity available to him, he can access funds and his bank will support him in this, because if he has 40 million sitting in a bank account, it means his invested capital is at least one order of magnitude larger.

So he is short something like 0.0005% of his net worth. His bank will be happy to send him that money, by personal courier if necessary, no matter what temporary account troubles there may be.

Not to mention that West Africa is not a remote jungle anymore. There are numerous payment services such as M-PESA in operation in Africa, and any millionaire going there for business would certainly have himself set up with an account for daily expenditures.

Which brings us to the "have himself set up" - people with this amount of cash don't work alone. They have secretaries, assistants, companies, financial advisors and many other people that would be far ahead on their list of "call in case of emergency" over some random guy on the Internet. Not to mention family.

Yes, this is a scam. It's hard to tell what kind of scam it is and whether you are intended to be a victim or an unknowning accomplice. But it has all the signs for a scam and none of the signs of being real.

We are of course unable to tell for sure, but this situation has all the hallmarks of a classic confidence trick.

1. Meet random people on the Internet.


2. Build a personal connection.


3. Tell them you are in some pickle where you urgently need them to send you money. Promise them they get it back immediately.


4. If they fall for it and actually do send money, ask for even more money.


5. When they stop sending money, break contact.

This scam appears over and over again with all kinds of identities and stories.

In this case, it is really fishy that a businessman with over 40 million in their bank account would 1. use online banking with username and password to access that account and 2. give their password to someone they never met in person instead of an employee, trustworthy business partner or relative.

He gave me the account numbers so I could check and the account says he has 40000000 !

I assume what you mean with this is that he gave you online banking credentials, you logged into his account and found that amount of money. Possible explanations:

• The bank doesn't actually exist. It's just a fake website the scammers set up to fraud people like you. This should be easy to check by simply googling the name of the bank.


• It's a real account, but it's not his account. He bought the login credentials from a hacker.


• It actually is his real account. The money you see is all the money he obtained from other people like you using the same method.

...or does he expect you to not send your own money but actually send him money from that account?

Then he is likely asking you to commit online banking fraud on his behalf. The account password was stolen by a hacker. The hacker wants you to send the money to his real account. When the real account owner reports the fraudulent transfer, the bank will check the access logs and find your IP address. A while later the police will knock on your door and start questioning you about why you log into online banking accounts which don't belong to you and send money to West Africa. You better hope that the court believes your story, or you will go to jail on the hacker's behalf.

There are absolutely no scenarios under which someone who has internet access sufficient to contact you cannot get his own money out of his own internet banking service.

That's your first Red Flag

The second is that he contacted you, a relative stranger, to handle his money.

Don't be taken in by having contacted initially via facebook. Facebook accounts are trivially easy to make up and because they're not email, they get less scrutiny than they should.

Rule of thumb: do not accept facebook requests unless you personally know the name, and even then, verify they are actually that person.

Spoofing a real person's facebook account by copying images and info from their public account is only fractionally less trivial than making one from scratch.

Thirdly, Swiss banking is way less common than you'd expect, cold-war-themed fiction has given us the idea that swiss banks are where Loads of Money gets put as a tax-haven. This is..less than realistic. If someone is talking about their Swiss Bank Account, it's probably to make it sound more important. That's a major red flag.

This is a ridiculously unlikely scenario, there's no doubt in my mind that it's a scam and that you should block them on facebook and forget the whole thing.

Don't even consider it, unless you knew somehow that it was 100% legit. You will undoubtedly get scammed out of at least thousands of dollars and likely go to jail in the worst case if you pursue this.

Check this out, it's called Nigerian Scam:
https://www.scamwatch.gov.au/types-of-scams/unexpected-money/nigerian-scams

The scammer will tell you an elaborate story about large amounts of
their money trapped in banks during events such as civil wars or
coups, often in countries currently in the news. Or they may tell you
about a large inheritance that is 'difficult to access' because of
government restrictions or taxes in their country. The scammer will
then offer you a large sum of money to help them transfer their
personal fortune out of the country.

These scams are often known as 'Nigerian 419' scams because the first
wave of them came from Nigeria. The '419' part of the name comes from
the section of Nigeria’s Criminal Code which outlaws the practice.
These scams now come from anywhere in the world.

Scammers may ask for your bank account details to 'help them transfer
the money' and use this information to later steal your funds.

Or they may ask you to pay fees, charges or taxes to 'help release or
transfer the money out of the country' through your bank. These fees
may even start out as quite small amounts. If paid, the scammer may
make up new fees that require payment before you can receive your
reward. They will keep asking for more money as long as you are
willing to part with it.

I get at least one os such emails every week and I was always wondering if somebody takes this for real. There is one golden rule in life if it is too good to be true it's not true. Or in other words, if it smells like a trap it's a trap.